Most people want to know what they can do to get a lower interest rate. When a person thinks about all the ads that are “out there,” showing how certain banks or lenders are offering the lowest mortgage rate or lowest interest rate possible, it’s no question why this is everyone’s main focus when they begin searching for a home loan. For those who are searching for a home loan and want to get the right mortgage rate, there are certain things they need to understand. How Lower Interest Rates May Wind Up Costing More To fully understand how this
Brian Schiele has over 10 years experience in Mortgage banking.
Biography
Brian Schiele is a mortgage professional here at Fellowship Home Loans. Brian grew up in Seaford, New York with a fascination for finance and economics along with a strong desire to help others that was instilled in him from a young age by his family and local church community.
Being attracted to the straightforward nature of mortgage banking over of the unpredictable nature of hedge funds, he entered into the mortgage industry soon after he graduated Hobart College with a degree in economics. Brian also enjoyed the day to day personal interaction of the mortgage industry, but he soon saw a need for more transparency in it.
Brian met Mike Rakeman, the co-founder of Fellowship Home Loans, in 2003 when they were both working at a retail mortgage company. As they continued to develop their experience in the retail mortgage industry, they were discouraged by the profit based motives of the companies that they worked at.
Being inspired throughout his life by the hardworking people he knew from his church community, he wanted to be a part of a mortgage company based on Biblical principles that would make its customers the top priority over profits.
Aiming to set new standards for the mortgage industry, Fellowship Home Loans has quickly grown and become a well-known name in the mortgage industry. We have been able to break new ground with Fellowship Home Loans by offering a customer oriented and honest approach to mortgages that has proven to be successful and appreciated by their clients.
Experience
Brian Schiele has worked in the radio and mortgage industry for over 10 years, and during this period of time he has developed a reputation for having an extensive knowledge of home loans. He has helped thousands of clients, and they are always impressed with his willingness to explain complex terminology in simple language, along with his dedication to helping them accomplish their goals.
Brian has helped people from every background find the perfect home loan including those who are traditionally employed, business owners, and self-employed individuals. With his extensive background in the mortgage industry, reputation for honesty, and excellent track record of helping so many people achieve their goals, Brian has become a highly sought after mortgage expert.
Services
Through Fellowship Home Loans, Brian offers a wide range of mortgage services including home purchase loans and mortgage refinance loans. Refinance options include the HARP program, Adjustable Rate Loans, Conventional and FHA Financing and Fixed Rate Loans. Purchase loans include Fixed Rate Loans, Adjustable Rate Loans, FHA Financing, and VA Home Loans.
Brian analyzes each client’s situation and fully explains the drawbacks and advantages of each loan type. Brian spends the necessary time to learn about each client’s unique goals and financial situation. He looks at every possible loan option that they are eligible for before advising his clients on what he believes is their absolute ideal choice.
Brian takes a customer focused approach to each and every mortgage they find for their clients. He fully explains the terms of each loan so that clients have a full education and understanding of their obligation to repay and their expected monthly costs during the life of the loan. He encourages their customers to ask questions throughout the process, and they go the extra mile to make themselves available for support.
The mortgage services that Brian offers through Fellowship Home Loans are based on the principles of honesty, compassion and love for God. Every client receives the full attention and support that they need as they accomplish their dream of owning a home or their goal of finding a great refinance loan. Brian always strives to ensure that every client ends up with their ideal home loan with the most competitive cost possible, along with manageable payments.
Reviews
"Brian was very helpful in answering questions in a timely fashion. His responses were accurate and he never gave us false hope." – Tawanna B.- Oxon Hill, MD
"Brian Schiele was excellent to work with, he answered every and all questions promptly with easy to understand answers. Brian made the entire process seamless and painless from beginning to end." – Nicholas C.- Annapolis, MD
"Brian was amazing. I was having anxiety for a very long time about getting the refinance due to personal reasons, and Brian made me feel at ease throughout the whole process. As was stated to me from my first phone call, Brian did not leave any stone unturned until we figured out every possible way to qualify. Brian was a pleasure to do business with and I have already HIGHLY recommended him and Fellowship loans to others. Truly blessed! Thank you Brian." – Diane R.- Middlesex, NJ
"From start to finish they are there for you. They will explain everything to you in plain English not with a lot of legal talk that you don't understand. The have commercials on the radio station that I listen to, that's how I found out about them. They are the best!” – Diane M.- Reisterstown, MD
“If you're shopping for a home loan, make certain you call Fellowship before you make a final decision.” – Bob F.- Los Angeles, CA
“Fellowship Home Loans is just a wonderful company to deal with from the beginning to the end of our home refinancing process. We had Brian as our loan officer and he went above and beyond to make our experience a very smooth and easy transaction. Along with Fellowship home loans exceptional ethical values. We also received a loan officer very knowledgeable and patient getting us the ideal deal possible. I highly recommend Fellowship Home loans for any home financial needs.” – Daniel F.- Middletown, NJ
“My sister had refinanced with Mike and Brian so I gave them a call when I was looking to purchase my first home. I was very unfamiliar with the process of course and very nervous of course. They held my hand and walked me through the process and I was a homeowner just a few weeks later. They truly helped me achieve the American dream of home ownership!” – Adelle W, Upper Trenton, NJ
Can You Buy a House After Filing Bankruptcy?
It may seem like a far-off dream to be able to purchase a home after a bankruptcy. After all, a bankruptcy does stay on a credit report for up to 10 years, and it’s not something lenders want to see when they’re thinking about loaning money to a client. However, it’s not always necessary to wait 10 years to be able to purchase a home, and there are some things the person can do to make it easier to obtain a mortgage and buy a home faster. How Long to Wait Before Looking While it isn’t necessary to wait the
What is an Escrow Account and How Does it Work?
Escrow is one of those terms commonly used in real estate that many people may not understand if they’re buying a home for the first time. Escrow is basically a temporary account held by a third party to make sure funds are properly held until certain conditions are met. In real estate transactions like buying a home, escrow can be used at two different times, but will generally be done the same way in both instances. Reasons for Escrow in Real Estate Escrow is used to protect funds until they are used and any conditions from either party are satisfied.
Don’t Waste Any More Money Renting – Get a Home Loan and Buy a Home!
Don’t Waste Any More Money Renting – Get a Home Loan and Buy a Home! For those of you renting, wouldn’t it be nice to put that money toward a new home? Even if you don’t plan on staying in your home for a long time, it makes perfect sense to purchase a home and start building equity today. Fellowship Home Loans is a mortgage company that can help you find the perfect loan that is manageable and attainable. We have many loan products to offer you, and we are sure that we can find an excellent loan option based
How to prepare to buy a house in 2023
Buying a house in 2023 will be both an exciting and daunting process. 2023 is the year that we believe potential home buyers will have more control over their home purchase terms than they have had in a long time. Mortgage interest rate increases over the past year have led to many potential buyers sitting out. This will mean less competition for buying a home. You will be able to make buyer friendly offers on homes. During the pandemic we saw rabid home buying that included sky high offers and waiving standard conditions such as home inspections. You can expect
Pre-Qualification Versus Pre-Approval
For buyers ready to start looking at homes, terms can get confusing, especially if this is a first-time home buyer. Pre-qualification and pre-approval are often used interchangeably, but they are very different and have different impacts on buying a home. Read below to learn more about these two terms and what they mean. Pre-Qualification for a Mortgage Pre-qualification is usually one of the first steps taken when buying a home. The buyer will work with a lender to get an estimate of how much they can borrow after a credit check and providing minimal information about their current finances. During
How to Make a Competitive Offer on a Home
In today’s market, even with the recent changes, sellers still have the upper hand. Any offer you put in needs to be as competitive as possible, so you have a higher chance of being accepted. Use the steps here to make sure you’re making a competitive offer that has a higher chance of being accepted by the seller. Be Pre-Qualified Many people who look at homes have received information about how much they might qualify for, but they’re not qualified. Being pre-qualified makes a huge difference, as it shows the seller you’re serious about what you can borrow to pay
Simple Steps to Pre-Qualify for a Loan
Pre-qualification provides buyers with insight into how much money they can borrow to purchase a home. It also gives them the chance to make sure they are ready to buy a home and will likely qualify for a mortgage once they’re ready to do so. Plus, pre-qualification can look better to sellers when the buyer makes an offer on a home, giving the buyer a higher chance of their offer being accepted. When it’s time to start looking around, start with a pre-qualification. The following steps make this easy to do. Visit the Lender’s Website Always take a look at
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